6 Investor-Ready Financial Package tax and accounting engagements in full — what the client came to us with, what we did, and what it was worth. Each one is specific to investor-ready financial package work, not a general example.
Case Study 1 · Structure rebuilt
Corporate Structure Rebuilt For $38,500 Of Annual Savings — Clinic Group Acquiring a, Victoria
Client: A clinic group acquiring a competitor · Where: Victoria, British Columbia · Engagement: 8 weeks, fixed fee
Saving per year$38,500
DocumentationComplete
Transfer basisRollover
The situation
The structure at a clinic group acquiring a competitor in Victoria, British Columbia had been set up years earlier for a business that no longer existed, and an owner making hiring decisions on last quarter’s bank balance had become expensive.
What we did
We produced a board-ready monthly package — cash, margin, pipeline and covenant headroom — that replaced a spreadsheet nobody trusted. The reorganisation used the rollover provisions rather than a taxable transfer, so no tax fell due on the restructuring itself.
The result
$38,500 of annual saving, achieved on a tax-deferred basis. The minute book, elections and valuations are all in the file.
Case Study 2 · Backlog brought current
Collections Halted And $73,000 Cut From A 7-Year Backlog — Mid-Sized Professional Services Firm, Mississauga
Client: A mid-sized professional services firm · Where: Mississauga, Ontario · Engagement: 9 weeks, fixed fee
Balance reduced by$73,000
Backlog cleared7 years
CollectionsHalted
The situation
By the time a mid-sized professional services firm in Mississauga, Ontario called, 7 years were outstanding and the CRA had assessed on estimates. Underneath it sat a covenant breach discovered only when the bank called.
What we did
We reconstructed the records year by year and modelled the covenant ratios monthly and restructured the debt before the next test date rather than after it. Each filing replaced an arbitrary assessment with a real one.
The result
The account is current. Filing on real numbers rather than CRA estimates reduced the balance by $73,000, and a relief application addressed part of the accumulated interest.
Case Study 3 · Sale and succession
$815,000 Sheltered By The Lifetime Capital Gains Exemption — Professional Practice Adding Partners, Brampton
Client: A professional practice adding partners · Where: Brampton, Ontario · Engagement: 4 weeks, fixed fee
Gain sheltered$815,000
ClosingOn schedule
Share qualificationMet
The situation
A professional practice adding partners in Brampton, Ontario had an offer on the table and 21 months to close. The shares did not qualify for the capital gains exemption, and a minute book with no resolutions behind a decade of dividends was part of the reason.
What we did
We purified the corporation so the shares met the qualifying tests, then rebuilt the reporting around gross margin by service line, which showed two of five offerings were losing money at the current price well ahead of the closing date.
The result
The sale closed on schedule with $815,000 sheltered by the lifetime capital gains exemption across the shareholders.
Case Study 4 · Missed incentive claimed
Incentive Review Recovered $120,000 Across 4 Open Years — Distributor Entering a Second, Lethbridge
Client: A distributor entering a second province · Where: Lethbridge, Alberta · Engagement: 5 weeks, fixed fee
Recovered$120,000
Open years claimed4
Ongoing trackingIn place
The situation
An incentive review at a distributor entering a second province in Lethbridge, Alberta started from a simple question: what has never been claimed? The answer ran to 4 years, driven by a growth plan with no forecast behind it and no financing lined up.
What we did
We built a rolling thirteen-week cash-flow model, tightened collections, and renegotiated supplier terms so the growth stopped consuming the bank balance, documenting eligibility to the standard a reviewer would apply rather than the standard a claim form requires.
The result
The credits produced $120,000 across the open years, and the tracking now in place means the following year's claim is documented as the work happens rather than reconstructed afterwards.
Case Study 5 · CRA review defended
$78,000 Reassessment Reduced To Nil On Review — Family Business Planning Succession, Halifax
Client: A family business planning succession · Where: Halifax, Nova Scotia · Engagement: 3 weeks, fixed fee
Reassessment reduced toNil
Tax protected$78,000
Prior filingsUndisturbed
The situation
A review notice arrived at a family business planning succession in Halifax, Nova Scotia covering investor-ready financial package for two tax years. The auditor's working position was an adjustment of $78,000, driven by a growth plan with no forecast behind it and no financing lined up.
What we did
Rather than negotiate, we rebuilt the record. We produced a board-ready monthly package — cash, margin, pipeline and covenant headroom — that replaced a spreadsheet nobody trusted and submitted a point-by-point response that answered each proposed adjustment with the document behind it.
The result
The auditor accepted the documented position and closed the review without adjustment, protecting $78,000 and leaving the prior filings undisturbed.
Case Study 6 · Scaling without breaking
Scaled To 20 Staff With $96,000 Of Working Capital Freed — Fast-Growing E-Commerce Brand, Moncton
Client: A fast-growing e-commerce brand · Where: Moncton, New Brunswick · Engagement: 10 weeks, fixed fee
Headcount reached20
Working capital freed$96,000
Missed deadlinesZero
The situation
A fast-growing e-commerce brand in Moncton, New Brunswick was growing fast — headcount to 20 in eighteen months — and the back office had not kept up. An owner making hiring decisions on last quarter’s bank balance was the first thing to break.
What we did
We modelled the covenant ratios monthly and restructured the debt before the next test date rather than after it, and built the compliance calendar for the size the business was becoming rather than the size it had been.
The result
The business reached 20 staff with no missed remittance and no late filing. $96,000 of working capital was freed in the process.
Reviewed for the 2025 tax year by Udit Gupta, Certified Tax Accountant. Figures describe representative engagements of this type; outcomes depend on your own facts. Client names and identifying details are omitted for confidentiality.
